. >> but that is the point now that you have the aca, that you can have this discussion in a way that was much harder to have before. it is really a way of saying for those who are able to continue working, can we begin to reorient the expectation for the next generation which is what we're talking about, recognizing that for people who are in that pre, now premedicare age, they will no longer have to postpone taking care of health care because they, in fact, have an option. so it is why this discussion takes on a whole different tone as a result of the affordable care act having been passed. >> i mean, i would say we have options, but we don't know if they're affordable options, and that's really the big difference. >> al milliken, am media. what can we learn from other countries? i'm wondering if any of you have studied the health benefit programs elsewhere, and do any have comparable insurance programs, and what has been the experience in other nations? >> most of them are struggling mightily with the promises they are made which encourage people to e retire even earlier tan they d